Filed November 18, 1997
This is a legacy paper filing. Plan administrator and contact details are recorded in the original filing, which has not been digitised into structured fields.
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| Provider | Service type | Compensation |
|---|---|---|
OLD SECOND BANK2 years Filed as: OLD SECOND NATIONAL BANK Service code 21 · EIN 36-1577458 | Bank Trustee | $214,386 |
CHARLES SCHWAB & CO., INC.2 years Filed as: CHARLES SCHWAB TRUST BANK Service code 19 · EIN 82-3967259 | Securities Custodian | $14,593 |
Service code 15 · EIN 16-1450952 | Recordkeeping | $12,843 |
CHARLES SCHWAB & CO., INC.2 years Service code 59 · EIN 94-1737782 | Shareholder Servicing | $0 |
Participant contribution per participant is in the bottom quintile of the peer cohort.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Annual investment return is in the bottom quintile of the peer cohort.
The auditor signed off without reservation. This is the cleanest opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $59,470 | $129,021-53.9% | $184,203-67.7% | $77,643-23.4% |
| Participation rate | 75.5% | 87.3%-11.8pp | 86.8%-11.3pp | 70.6%+5.0pp |
| Annual return | 12.08% | 33.27%-21.2pp | 28.81%-16.7pp | 31.24%-19.2pp |
| Employer contribution / active EE | $1,772 | $4,413-59.8% | $6,427-72.4% | $2,726-35.0% |
| Participant deferral / active EE | $3,445 | $7,297-52.8% | $9,131-62.3% | $4,647-25.9% |
| Admin fee / account holder | $392 | $254+54.6% | $13,901-97.2% | $430-8.8% |